If you live in a coastal region or in an area with frequent tornadoes, you know the danger of strong winds. You know that straight line winds can cause almost as much damage as a tornado. You also know that warm weather means thunderstorms and windstorms where winds can easily reach over 50 miles per hour. 

These winds can cause damage to any structure, especially the roof. If your roof is damaged, you might have further damage from rains. It's a great time to check with your homeowners policy to be sure you are covered when a windstorm occurs. 

Windstorm insurance is so important that some states have passed laws that make it easier for individuals to get windstorm insurance. In areas where hurricanes and tornadoes are part of the summertime, some states have mandated that coverage be available for homeowners.  

What does windstorm insurance cover? Windstorm insurance typically covers damages to the building and to personal belongings inside the building. This means damage to the roof, to windows and to the siding. This insurance also covers your personal belongings if the winds gain entrance to the home and cause damage. You can also purchase a policy to include other structures such as garages, sheds and swimming pools. 

What doesn't windstorm insurance cover? If a windstorm is followed by a storm surge and flooding, windstorm insurance does not cover the damage from rising waters. Flood insurance covers that damage. Similarly, windstorm insurance does not cover your vehicle if a tree or debris damages it. That is covered by your auto insurance. 

So, the question is, are you covered in case of a windstorm? Warm weather is here and it's a good time to check.